Individual Health
Take the First Step Toward Securing Your Health Care Insurance
At Heffernan Insurance Brokers, we understand the importance of finding the right health care insurance coverage for you and your loved ones. Our team of experienced insurance professionals is dedicated to helping individuals like you navigate the complex world of health insurance and find a plan that fits your needs and budget.
Why Choose Heffernan for your Individual Health Care Insurance?
- Expert Guidance: With decades of experience in the insurance industry, our knowledgeable team members have the expertise and insights to guide you through the entire process of selecting the right health care insurance plan. We’ll take the time to understand your unique circumstances and help you make an informed decision.
- Extensive Coverage Options: We work with a wide network of reputable insurance carriers, allowing us to offer you a range of coverage options tailored to your specific needs. Whether you’re looking for comprehensive coverage or a more budget-friendly plan, we have options to suit every individual or family.
- Transparent and Competitive Pricing: We understand that affordability is a key consideration when it comes to health insurance. That’s why we strive to provide transparent pricing and competitive rates to ensure you get the best value for your money. Our team will help you explore different coverage levels and find a plan that balances cost and coverage.
- Personalized Service: At Heffernan, we value our relationships with our clients. When you choose us for your individual health care insurance needs, you can expect personalized service and ongoing support. Our dedicated team is here to answer your questions, address your concerns, and help whenever you need it.
Let Heffernan Insurance Brokers be your trusted partner in finding the right individual health care insurance plan for you.
Contact us today or explore our website to learn more about our services, coverage options, and how we can assist you in protecting your health and financial well-being.
Health Insurance for Every Stage of Life
No matter where you are in life, health insurance will help you manage your wellness and live your life to your full potential.
Childhood
Health coverage ensures children receive the screening and preventive services they for a strong start as well as care for injuries and illnesses. Dental coverage is also important, to ensure children have healthy teeth.
- Preventive care
- Emergency care
- Vaccines
- Dental coverage
20s and 30s
Even healthy young adults may have medical emergencies. Health insurance covers unexpected medical costs and preventive care. For couples who are planning a family, maternity coverage is one of the most critical aspects of health insurance.
- Preventative care
- Maternity coverage
- Affordable premiums
40s and 50s
With the risk of cancer, heart disease, and diabetes increasing as people reach this age group, health insurance is critical for covering recommended screenings as well as necessary treatments to help individuals stay healthy and recover from illnesses.
- Affordable family plans
- Preventative care
- Comprehensive coverage
Senior Years
Health concerns and prescription needs often increase with age. Adequate health coverage helps seniors stay mentally and physically fit. Many seniors find their health insurance through Medicare, where they have multiple plan options.
- Good Rx coverage
- Low out-of-pocket costs
- Broad provider network
ACA Marketplace Coverage
Individuals who don’t have access to other forms of health insurance (such as group health insurance or Medicare) often use the ACA Marketplace to find and enroll in a plan. Some individuals may even qualify for subsidies to make coverage more affordable.
There’s a lot to consider when comparing plan option. Although many people focus on the monthly premium, the deductibles, copays, and other out-of-pocket costs may have an even bigger impact on your finances. It’s also important to consider whether a plan covers your prescription drugs and whether your preferred providers are in network.
Heffernan Insurance Brokers will help you review your options to find a plan that meets your budget while providing you with the care you need.
Medicare Plans
Medicare is available to people aged 65 and above as well as to young individuals with certain health conditions. Medicare enrollees can choose from multiple plan options:
- Medigap is a private supplemental policy that works with Medicare Parts A and B to control out-of-pocket costs. There are multiple Medigap plans to choose from.
- Medicare Advantage (also called Medicare Part C) combines coverage from Medicare Parts A and B into one convenient plan. Medicare Advantage plans also typically provide prescription drug coverage. These plans are offered by private companies, and most people have multiple plan options.
- Medicare Part D provides prescription drug coverage. These plans are sold by private companies, and most enrollees have multiple plans to choose from.
Group Health Coverage
Many Americans receive their health coverage through work. By offering group health coverage, employers help their workers stay healthy and financially sound. Health insurance is also a powerful recruitment and retention tool. Group health insurance is not just for large companies. In fact, businesses with three or more employees may qualify.
Learn more about group health benefits.
Contact us today or explore our website to learn more about our services, coverage options, and how we can assist you in protecting your health and financial well-being.
